BTN Achieves Strong Financial Performance by November 2025

Significant Profit Growth

PT Bank Tabungan Negara (Persero) Tbk. (BBTN) has reported a net profit of Rp2.91 trillion by the end of November 2025, marking a substantial 21.10% year-on-year increase compared to Rp2.40 trillion in the same period last year ¹

²

Source 2

https://keuangan.kontan.co.id/news/btn-cetak-laba-bersih-rp-291-triliun-per-november-2025

. This impressive growth was primarily driven by the bank's strategic focus on credit disbursement and funding strategies.

Key Financial Highlights

1. Credit and Financing Growth: BTN's credit and financing portfolio reached Rp386.47 trillion by November 30, 2025, representing an 8.74% YoY increase from Rp355.42 trillion in the previous year ¹
   Source 1

   https://finansial.bisnis.com/read/20251217/90/1937489/btn-bbtn-bukukan-laba-bersih-rp291-triliun-hingga-akhir-november-2025
   .
2. Third-Party Funds (DPK) Surge: The bank recorded a significant 15.77% YoY growth in DPK, with total funds reaching Rp423.96 trillion compared to Rp366.22 trillion in the same period last year ¹
   Source 1

   https://finansial.bisnis.com/read/20251217/90/1937489/btn-bbtn-bukukan-laba-bersih-rp291-triliun-hingga-akhir-november-2025
   .
3. Asset Expansion: BTN's total assets grew by 12.16% YoY to Rp503.99 trillion, surpassing the initial target of Rp500 trillion set for 2025 ¹
   Source 1

   https://finansial.bisnis.com/read/20251217/90/1937489/btn-bbtn-bukukan-laba-bersih-rp291-triliun-hingga-akhir-november-2025
   .

Business Strategies

BTN's CEO, Nixon LP Napitupulu, attributed the successful performance to the bank's focused credit distribution strategy and efforts to enhance low-cost funding (CASA). The bank remains committed to supporting housing needs through both subsidized and non-subsidized mortgage loans, as well as corporate lending in related sectors like real estate and infrastructure ¹

.

Digital Initiatives

The bank's digital solutions, particularly the Bale by BTN superapp for retail customers and Bale Korpora for corporate cash management, have contributed significantly to the growth in retail DPK. These digital platforms have shown increasing user numbers and transaction volumes, supporting the bank's funding strategies ¹

.

Future Outlook

BTN is on track to meet its year-end targets while maintaining a cautious approach. The bank is nearing completion of its sharia business unit transfer to PT Bank Syariah Nasional (BSN), with operations expected to commence on December 22, 2025 ¹

.